Commercial Real Estate Lending: Risk Mitigation and Bank Supervision

Oliver R. Sims (Editor)
Franklin B. Fields (Editor)

Series: Banks and Banking Developments, Financial Institutions and Services
BISAC: BUS004000

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Volume 10

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Special issue: Resilience in breaking the cycle of children’s environmental health disparities
Edited by I Leslie Rubin, Robert J Geller, Abby Mutic, Benjamin A Gitterman, Nathan Mutic, Wayne Garfinkel, Claire D Coles, Kurt Martinuzzi, and Joav Merrick

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This book presents the results of a study of FDIC-supervised institutions with significant acquisition, development, and construction (ADC) loan concentrations that did not fail during the recent economic downturn. ADC loans are considered the riskiest type of commercial real estate (CRE) lending. During the recent financial crisis, FDIC analysis shows that failed institutions had concentrations of ADC loans to total assets that were roughly three times the average of concentrations of non-failed institutions. This book studies the characteristics and supervisory approaches for FDIC-supervised institutions that had significant ADC loan concentrations and were not considered to be problem banks as of April 2011, with a focus on the identifying factors that may have helped banks mitigate the risks historically associated with ADC concentrations during periods of economic stress. (Imprint: Nova)

Preface

Acquisition, Development, and Construction Loan Concentration Study
(Federal Deposit Insurance Corporation, Office of Inspector General)

Banking Regulation: Enhanced Guidance on Commercial Real Estate Risks Needed
(GAO)

Index

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